Episode 1 of bonkers.ie's video series entitled 'Getting a Mortgage in Ireland'.
There are 7 videos in the series, which explains everything you need to know about getting a mortgage in a simple, yet expert, way.
Leave your follow-up questions in the comments below, or tweet us @bonkers_ie
----------------
** SwitchMortgages Here: http://bit.ly/1PyIedo **
----------------
Bonkers.ie - Compare, Switch, Save!
As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & HomePhone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.
Check our Website: http://bit.ly/1S3UtSk
----------------

published:25 Jan 2016

views:16285

** SwitchMortgages Here: http://bit.ly/1PyIedo **
Today I’m going to tell you five things First-Time buyers must know before getting a mortgage
One – how much you can borrow
First-time buyers can borrow up to three and a half times their salary. And that’s your basic salary, banks are very unlikely to take additional earnings, such as commission and bonuses into account.
Two – how big a deposit you’ll have to provide
You must provide a 10% deposit for the first €220,000 of the property’s value and a 20% deposit for anything above that amount. So, if the property is worth €200,000, you’ll have to provide €20,000 up front.
If the property is €280,000, you’ll have to provide 10% of the first €220,000, so €22,000 and 20% of the remaining €60,000 so €12,000, making for minimum deposit requirement of €34,000
Three – how to show the bank that you’re a safe bet for a loan
Your bank will look at a minimum of the last six months of financial comings and goings before deciding whether or not to approve you for a loan. They will want to see that you haven’t missed direct debit payments and it’s a good idea to set up a standing order for your rent, bills and some savings to give the bank confidence that you won’t miss monthly repayments.
Four – your bank’s exceptions
All banks in Ireland are allowed to give a number of exceptions to the Central Bank’s lending rules every year. So, you might be able to get a loan of more than 3 and a half times your income or be allowed to provide a slightly smaller deposit than the bank usually requires. It might be in your interest to shop around to find a bank that is happy to give you an exception.
Five – how much it’ll cost you every month
Your mortgage payment is likely to be your biggest monthly expense. A number of banks in Ireland have cut rates in recent months and there’s continuing pressure for other banks to follow suit. It’s essential to shop around to find the cheapest rate available.
There you have it, getting a mortgage is one of the biggest financial decisions you’ll ever make so it’s essential to get it right! If you have any questions, leave a comment below or tweet us at bonkers_ie
** Switch Mortgages Here: http://bit.ly/1PyIedo **

published:07 Jun 2016

views:2865

We’re Linked Finance, Ireland’s leading Peer-To-Peer lending platform. We’re on a mission to make business lending better for IrishSMEs. And, at the same time, we want to give ordinary people a way to make their money work harder. Our marketplace connects local companies who need funding with a vibrant online lending community. Real people, lending to great local businesses, at attractive interest rates. Businesses can apply online, quickly and with minimum hassle.
Learn more at www.linkedfinance.com

published:26 Sep 2018

views:7183

A property mortgage is the biggest debt most of us will ever take on. So choosing the right one is vital. Tim Bennett explains the basics of mortgages and highlights the main pitfalls to avoid.

published:21 Sep 2012

views:344105

What does the future hold for Credit Unions in Ireland? What can your credit union do for you? What is le chéile Group's vision for the sector?
www.lecheilegroup.ie

published:31 Jan 2014

views:451

Linked Finance is Ireland's largest P2P lending platform. We connect great local businesses who need loans with an army of online lenders. Real people, lending to local companies, at attractive rates. In this video, entrepreneur Lisa Quinlan of The Roling Donut talks about her experiences with Linked Finance.

published:26 Oct 2017

views:1115

John Kilraine of RTE News spoke to Karl Deeter of IrishMortgage Brokers about the new government lending scheme which would give discounted loans to borrowers who have been refused from other banks.
His view is that while this is admirable that the better choice is to get the cost of building down rather than by making more cheap credit available.

published:24 Jan 2018

views:131

Coinciding with the second anniversary of the controversial Irish government bank guarantee, 'Freefall: The Night the Banks Failed' is an IFTA-winning two part documentary series which tells the story of the Irish banking crisis.
'Freefall: The Night the Banks Failed' tells of how a huge property bubble, fuelled by the lending practices of the Irish banking system, brought the Irish economy precariously close to the edge. The series recounts in detail the dramatic events, both global and national, in the fortnight leading up to the banking guarantee.
This documentary also delves deep into the past, tracing the origins of this unprecedented crisis back 25 years to the era when financial deregulation began, with a promise of economic stability and new-found wealth for all.
'Freefall: The Night the Banks Failed' was a hugely popular documentary series for Animo, and truly underpinned the lofty investigative and programming standards of the company. The series went on to win the prestigious ‘BestDocumentarySeries’ award at the 2011Irish Film and Television (IFTA) awards.

published:10 Mar 2016

views:240

P2P LENDING -HOW TO INVEST IN P2P LENDING
In this video, we discuss two websites where you can lend your money via P2P lending or P2B lending. This video mostly focuses on websites you can use from Ireland.
[Video script]
Some things to note:
- P2P lending from Ireland seems to very different than P2P lending in the UK and US. By that I mean in the US there are different
categories of loans depending on the risk (higher risk = higher reward).
- P2P lending can be risky in you are trusting that person to pay back the money. Some of the websites provide securities against these loans up to a certain amount
- P2P lending is best when you invest small amounts of money (at the moment my max loan amount is 10e for each loan). This may seem small but by keeping your max loan low
you can loan money to more people thereby spending your risk. If one person doesn't pay back your only losing 10e instead of more.
There are [#] of websites I will show you today:
MintOS - https://www.mintos.com/en/how-it-works/ - Explain the graph
- It's a lending marketplace where investors can loan money to many different loan originators. Some examples are:
Mortgage loans, car loans, business loans, personal loans etc...
How does it work:
1. Borrows app for loans
2. Loan originator evaluates the application, sets an interest rate and lends money from its own funds
3. The loans and then listed on the marketplace where investors can pick and choose what loans they want to invest in. If accepted you will receive monthly principal and interest payments.
One of the easiest ways to invest with mintos is via their auto invest tool, you can set how much you want to invest for each loan
the loan term you want to invest in, countries you want to invest etc. Once you set it, it will auto find loans and invest your money
If you don't like the auto invest tool you can go to the marketplace and pick and choose loans yourself to invest in
Linkedfinacnce - This is an Irish company. This website is more on the P2B (person to business loans)
Usually, the business that is on linkedFinance are already established and are just looking for more funding via person lending.
They have a smaller loan marketplace than MintOS but its a bit more secure as your investing in businesses
that are already up and running.
[Show live loans]
As you can see there is a lot of companies on here and a lot of companies have reached their bid amount.
Let's have a look at one company
- Show them the current loan offers, the business profile etc
If you decide you want to invest in a company you place a bid, there is usually a minimum bid
at the moment seems to be 50e, you can invest whatever you want. When the bidding closes they pick the bids they want
and you get a notification and the payments will start soonish.

http://www.ebs.ie/mortgages/mortgage-appointments-to-suit-you.html
Arrange a mortgage appointment at a time that suits you. At EBS, we have a team of mortgage advisors who can advise and offer you help as you continue on your journey to a new home.
At EBS though, we understand that your day doesn't start at 9 and end at 5pm. Therefore, our team are able to meet you before work, after work or even at the weekends.
To book a mortgage meeting now, or to use our quick and easy mortgage calculator, visit our online MortgageCentre. Find out more here: www.ebs.ie

Crash Course

Plot

Crash Course centers on a group of high schoolers in a driver’s education class; many for the second or third time. The recently divorced teacher, super-passive Larry Pearl, is on thin ice with the football fanatic principal, Principal Paulson, who is being pressured by the district superintendent to raise driver’s education completion rates or lose his coveted football program. With this in mind, Principal Paulson and his assistant, with a secret desire for his job, Abner Frasier, hire an outside driver’s education instructor with a very tough reputation, Edna Savage, aka E.W. Savage, who quickly takes control of the class.

The plot focuses mostly on the students and their interactions with their teachers and each other. In the beginning, Rico is the loner with just a few friends, Chadley is the bookish nerd with few friends who longs to be cool and also longs to be a part of Vanessa’s life who is the young, friendly and attractive girl who had to fake her mother’s signature on her driver’s education permission slip. Kichi is the hip-hop Asian kid who often raps what he has to say and constantly flirts with Maria, the rich foreign girl who thinks that the right-of-way on the roadways always goes to (insert awesomely fake foreign Latino accent) “my father’s limo”. Finally you have stereotypical football meathead J.J., who needs to pass his English exam to keep his eligibility and constantly asks out and gets rejected by Alice, the tomboy whose father owns “Santini & Son” Concrete Company. Alice is portrayed as being the “son” her father wanted.

Crash Course (YouTube)

Crash Course (sometimes stylized as CrashCourse) is an educational YouTube channel started by the Green brothers, Hank Green and John Green, who are notable for their VlogBrothers channel. Originally, John and Hank presented humanities and science courses to viewers, respectively, although the series has since expanded to incorporate courses by additional hosts.

Crash Course was one of the 100 initial channels of YouTube's $100 million original channel initiative. Crash Course launched a preview on December 2, 2011. As of February 14, 2016, the Crash Course YouTube channel has gotten 3,947,842 subscribers and has received over 300 million video views. In November 2014, Hank Green announced that a partnership with PBS Digital Studios would allow them to produce more courses, starting in January 2015.

Currently there are fourteen seasons of Crash Course, with Hank and John each hosting five. Together with Emily Graslie, they co-hosted Big History. As part of the PBS partnership, Phil Plait and Craig Benzine have hosted series about Astronomy and U.S. Government and Politics, respectively. A second channel, Crash Course Kids, is hosted by Sabrina Cruz and has started its first series, Science.

Crash Course (game show)

Crash Course is an American game show that premiered on ABC on August 26, 2009. It is hosted by Orlando Jones and Dan Cortese. The series has teams of two competing for a golden steering
wheel and $50,000. The series was aimed to try and outbest Wipeout, but failed to beat its audience and has been canceled after three aired episodes (but four were produced).

Premise

Hosted by Orlando Jones and Dan Cortese. Five teams of two are revealed at the beginning (Siblings, Mother-Son, Best Friends, Single Moms, Roommates, Neighbors etc.). The first round has all five teams competing, for example, in car bowling, the team with the lowest amount of pins would be eliminated.

For round two, the four teams would tackle an even more difficult challenge, another example, in Catch Me If You Can, the teams would fight through barrels to get up on a platform. Some cars don't make it and fall upside-down sometimes. The team who doesn't make it up as far or with the slowest time is eliminated.

Peer-to-peer lending

Peer-to-peer lending, sometimes abbreviated P2P lending, is the practice of lending money to individuals or businesses through online services that match lenders directly with borrowers. Since the peer-to-peer lending companies offering these services operate entirely online, they can run with lower overhead and provide the service more cheaply than traditional financial institutions. As a result, lenders often earn higher returns compared to savings and investment products offered by banks, while borrowers can borrow money at lower interest rates, even after the P2P lending company has taken a fee for providing the match-making platform and credit checking the borrower.

Also known as crowdlending, many peer-to-peer loans are unsecuredpersonal loans, though some of the largest amounts are lent to businesses. Secured loans are sometimes offered by using luxury assets such as jewelry, watches, vintage cars, fine art, buildings, aircraft and other business assets as collateral. They are made to an individual, company or charity. Other forms of peer-to-peer lending include student loans, commercial and real estate loans, payday loans, as well as secured business loans, leasing and factoring.

Interpretation

Three men appear to invade a small, cramped room, where they terrorize the scene. To the left, a man is hung by one of the intruders, and his arm twisted by another. A woman, seemingly the man's wife, is bound to one of the room's supports after having been raped. To the right, the child is about to be taken away by one of the intruders—note the feet near the top right hand corner.

Techniques

The subject matter is instantly chaotic, amplified by the artist's use of color and form. The painting is limited only to brown tones and vibrant red shades. Also, Beckmann mastered a form commonly associated with early 20th-century Fauvism artists such as Henri Matisse: the painting is compositionally flat and stilted, with no implementations of depth. For instance, though the woman appears at the forefront of the piece, she is bound to the room's back entrance. The artist deviated from conventional avant-garde, non-representational paintings such as Cubism and Dada. The sporadic interruptions of vibrant red and the painting's intrusive angularity serve to shock the viewer, and animate the scene with chaos and energy.

The Night (album)

The Night is the fifth and final studio album by the alternative rock band Morphine. Completed just before the sudden July 1999 death of bass player and lead singer Mark Sandman, the album was released in February 2000. The title song is used for the ending credits for the webshow Hate By Numbers.

Getting a Mortgage in Ireland Ep 1: Are You Eligible for a Mortgage?

Episode 1 of bonkers.ie's video series entitled 'Getting a Mortgage in Ireland'.
There are 7 videos in the series, which explains everything you need to know about getting a mortgage in a simple, yet expert, way.
Leave your follow-up questions in the comments below, or tweet us @bonkers_ie
----------------
** SwitchMortgages Here: http://bit.ly/1PyIedo **
----------------
Bonkers.ie - Compare, Switch, Save!
As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & HomePhone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.
Check our Website: http://bit.ly/1S3UtSk
----------------

** SwitchMortgages Here: http://bit.ly/1PyIedo **
Today I’m going to tell you five things First-Time buyers must know before getting a mortgage
One – how much you can borrow
First-time buyers can borrow up to three and a half times their salary. And that’s your basic salary, banks are very unlikely to take additional earnings, such as commission and bonuses into account.
Two – how big a deposit you’ll have to provide
You must provide a 10% deposit for the first €220,000 of the property’s value and a 20% deposit for anything above that amount. So, if the property is worth €200,000, you’ll have to provide €20,000 up front.
If the property is €280,000, you’ll have to provide 10% of the first €220,000, so €22,000 and 20% of the remaining €60,000 so €12,000, making for minimum deposit requirement of €34,000
Three – how to show the bank that you’re a safe bet for a loan
Your bank will look at a minimum of the last six months of financial comings and goings before deciding whether or not to approve you for a loan. They will want to see that you haven’t missed direct debit payments and it’s a good idea to set up a standing order for your rent, bills and some savings to give the bank confidence that you won’t miss monthly repayments.
Four – your bank’s exceptions
All banks in Ireland are allowed to give a number of exceptions to the Central Bank’s lending rules every year. So, you might be able to get a loan of more than 3 and a half times your income or be allowed to provide a slightly smaller deposit than the bank usually requires. It might be in your interest to shop around to find a bank that is happy to give you an exception.
Five – how much it’ll cost you every month
Your mortgage payment is likely to be your biggest monthly expense. A number of banks in Ireland have cut rates in recent months and there’s continuing pressure for other banks to follow suit. It’s essential to shop around to find the cheapest rate available.
There you have it, getting a mortgage is one of the biggest financial decisions you’ll ever make so it’s essential to get it right! If you have any questions, leave a comment below or tweet us at bonkers_ie
** Switch Mortgages Here: http://bit.ly/1PyIedo **

1:57

Linked Finance - Revolutionising Business Loans for Irish SMEs

Linked Finance - Revolutionising Business Loans for Irish SMEs

Linked Finance - Revolutionising Business Loans for Irish SMEs

We’re Linked Finance, Ireland’s leading Peer-To-Peer lending platform. We’re on a mission to make business lending better for IrishSMEs. And, at the same time, we want to give ordinary people a way to make their money work harder. Our marketplace connects local companies who need funding with a vibrant online lending community. Real people, lending to great local businesses, at attractive interest rates. Businesses can apply online, quickly and with minimum hassle.
Learn more at www.linkedfinance.com

13:50

Beginners' guide to mortgages - MoneyWeek investment tutorials

Beginners' guide to mortgages - MoneyWeek investment tutorials

Beginners' guide to mortgages - MoneyWeek investment tutorials

A property mortgage is the biggest debt most of us will ever take on. So choosing the right one is vital. Tim Bennett explains the basics of mortgages and highlights the main pitfalls to avoid.

6:30

What does the future hold for Credit Unions in Ireland?

What does the future hold for Credit Unions in Ireland?

What does the future hold for Credit Unions in Ireland?

What does the future hold for Credit Unions in Ireland? What can your credit union do for you? What is le chéile Group's vision for the sector?
www.lecheilegroup.ie

0:56

Linked Finance - Business loans built for Irish SMEs

Linked Finance - Business loans built for Irish SMEs

Linked Finance - Business loans built for Irish SMEs

Linked Finance is Ireland's largest P2P lending platform. We connect great local businesses who need loans with an army of online lenders. Real people, lending to local companies, at attractive rates. In this video, entrepreneur Lisa Quinlan of The Roling Donut talks about her experiences with Linked Finance.

1:51

RTE 6 News features Irish Mortgage Brokers, 22nd January 2018

RTE 6 News features Irish Mortgage Brokers, 22nd January 2018

RTE 6 News features Irish Mortgage Brokers, 22nd January 2018

John Kilraine of RTE News spoke to Karl Deeter of IrishMortgage Brokers about the new government lending scheme which would give discounted loans to borrowers who have been refused from other banks.
His view is that while this is admirable that the better choice is to get the cost of building down rather than by making more cheap credit available.

2:10

Freefall: The Night the Banks Failed

Freefall: The Night the Banks Failed

Freefall: The Night the Banks Failed

Coinciding with the second anniversary of the controversial Irish government bank guarantee, 'Freefall: The Night the Banks Failed' is an IFTA-winning two part documentary series which tells the story of the Irish banking crisis.
'Freefall: The Night the Banks Failed' tells of how a huge property bubble, fuelled by the lending practices of the Irish banking system, brought the Irish economy precariously close to the edge. The series recounts in detail the dramatic events, both global and national, in the fortnight leading up to the banking guarantee.
This documentary also delves deep into the past, tracing the origins of this unprecedented crisis back 25 years to the era when financial deregulation began, with a promise of economic stability and new-found wealth for all.
'Freefall: The Night the Banks Failed' was a hugely popular documentary series for Animo, and truly underpinned the lofty investigative and programming standards of the company. The series went on to win the prestigious ‘BestDocumentarySeries’ award at the 2011Irish Film and Television (IFTA) awards.

11:24

HOW TO INVEST IN P2P LENDING - PEER TO PEER LENDING

HOW TO INVEST IN P2P LENDING - PEER TO PEER LENDING

HOW TO INVEST IN P2P LENDING - PEER TO PEER LENDING

P2P LENDING -HOW TO INVEST IN P2P LENDING
In this video, we discuss two websites where you can lend your money via P2P lending or P2B lending. This video mostly focuses on websites you can use from Ireland.
[Video script]
Some things to note:
- P2P lending from Ireland seems to very different than P2P lending in the UK and US. By that I mean in the US there are different
categories of loans depending on the risk (higher risk = higher reward).
- P2P lending can be risky in you are trusting that person to pay back the money. Some of the websites provide securities against these loans up to a certain amount
- P2P lending is best when you invest small amounts of money (at the moment my max loan amount is 10e for each loan). This may seem small but by keeping your max loan low
you can loan money to more people thereby spending your risk. If one person doesn't pay back your only losing 10e instead of more.
There are [#] of websites I will show you today:
MintOS - https://www.mintos.com/en/how-it-works/ - Explain the graph
- It's a lending marketplace where investors can loan money to many different loan originators. Some examples are:
Mortgage loans, car loans, business loans, personal loans etc...
How does it work:
1. Borrows app for loans
2. Loan originator evaluates the application, sets an interest rate and lends money from its own funds
3. The loans and then listed on the marketplace where investors can pick and choose what loans they want to invest in. If accepted you will receive monthly principal and interest payments.
One of the easiest ways to invest with mintos is via their auto invest tool, you can set how much you want to invest for each loan
the loan term you want to invest in, countries you want to invest etc. Once you set it, it will auto find loans and invest your money
If you don't like the auto invest tool you can go to the marketplace and pick and choose loans yourself to invest in
Linkedfinacnce - This is an Irish company. This website is more on the P2B (person to business loans)
Usually, the business that is on linkedFinance are already established and are just looking for more funding via person lending.
They have a smaller loan marketplace than MintOS but its a bit more secure as your investing in businesses
that are already up and running.
[Show live loans]
As you can see there is a lot of companies on here and a lot of companies have reached their bid amount.
Let's have a look at one company
- Show them the current loan offers, the business profile etc
If you decide you want to invest in a company you place a bid, there is usually a minimum bid
at the moment seems to be 50e, you can invest whatever you want. When the bidding closes they pick the bids they want
and you get a notification and the payments will start soonish.

EBS Mortgage Appointment- TV Ad

http://www.ebs.ie/mortgages/mortgage-appointments-to-suit-you.html
Arrange a mortgage appointment at a time that suits you. At EBS, we have a team of mortgage advisors who can advise and offer you help as you continue on your journey to a new home.
At EBS though, we understand that your day doesn't start at 9 and end at 5pm. Therefore, our team are able to meet you before work, after work or even at the weekends.
To book a mortgage meeting now, or to use our quick and easy mortgage calculator, visit our online MortgageCentre. Find out more here: www.ebs.ie

Bank of Ireland - Committee on Finance, Public Expenditure and Reform, and Taoiseach

Bank of Ireland - Committee on Finance, Public Expenditure and Reform, and Taoiseach

Bank of Ireland - Committee on Finance, Public Expenditure and Reform, and Taoiseach

Chairman: I would like to see banks deal with the other issue, which is people who want to get into the mortgage market and cannot do so. Young couples are watching property going up in value and watching the difficulties for them increase. The bank must meet them in some way in terms of how to get them onto the property ladder. That is the issue. People are trying to get on to the property ladder in a constructive manner, but they have all the obstacles before them. The banks have found imaginative ways to give loans and accommodate people. Attention must be given, and perhaps by the Government, to ensure that such individuals and couples get loans.
Mr. Liam McLoughlin: We agree with the Chairman's comments. As I said before, the Bank of Ireland has doubled its funding for residential development. We are keen to support various initiatives in that space. My colleagues in corporate and business banking are very supportive of that, and clearly we would like to see more happen on the supply side.
In terms of mortgages, it is in our vested interest to use the capital our shareholders have given us to make more mortgage lending available. There is no shortage of appetite by the bank or the board to make more mortgage lending available. The biggest issue we see at the moment is an insufficient housing supply to deal with the appetite for mortgages, particularly by first-time buyers.
Chairman: I understand that, but that is the excuse used by everyone. The fact is that houses do come on the market and some of them are the right price. There are difficulties for people who qualify for social housing and also for those who fall into the category where they have too much income to go onto social housing lists but too little to qualify for a bank loan. That is how they are being viewed at present and there seems to be no possibility of them getting out of the circumstances they find themselves in. They can avail of a shared ownership scheme or some other imaginative way to secure the house that they want, but the banks must come to the table in trying to find a solution to that issue.
Mr. Liam McLoughlin: I thank the Chairman for his good feedback and we will take it on board. We will continue to work with our colleagues in Banking & Payments FederationIreland, BPFI, to see what support and advice we can give in that space.

** SwitchMortgages Here: http://bit.ly/1PyIedo **
Today I’m going to tell you five things First-Time buyers must know before getting a mortgage
One – how much you can borrow
First-time buyers can borrow up to three and a half times their salary. And that’s your basic salary, banks are very unlikely to take additional earnings, such as commission and bonuses into account.
Two – how big a deposit you’ll have to provide
You must provide a 10% deposit for the first €220,000 of the property’s value and a 20% deposit for anything above that amount. So, if the property is worth €200,000, you’ll have to provide €20,000 up front.
If the property is €280,000, you’ll have to provide 10% of the first €220,000, so €22,000 and 20% of the remaining €60,000 so €12,000, making for minimum deposit ...

published: 07 Jun 2016

Linked Finance - Revolutionising Business Loans for Irish SMEs

We’re Linked Finance, Ireland’s leading Peer-To-Peer lending platform. We’re on a mission to make business lending better for IrishSMEs. And, at the same time, we want to give ordinary people a way to make their money work harder. Our marketplace connects local companies who need funding with a vibrant online lending community. Real people, lending to great local businesses, at attractive interest rates. Businesses can apply online, quickly and with minimum hassle.
Learn more at www.linkedfinance.com

published: 26 Sep 2018

Beginners' guide to mortgages - MoneyWeek investment tutorials

A property mortgage is the biggest debt most of us will ever take on. So choosing the right one is vital. Tim Bennett explains the basics of mortgages and highlights the main pitfalls to avoid.

published: 21 Sep 2012

What does the future hold for Credit Unions in Ireland?

What does the future hold for Credit Unions in Ireland? What can your credit union do for you? What is le chéile Group's vision for the sector?
www.lecheilegroup.ie

published: 31 Jan 2014

Linked Finance - Business loans built for Irish SMEs

Linked Finance is Ireland's largest P2P lending platform. We connect great local businesses who need loans with an army of online lenders. Real people, lending to local companies, at attractive rates. In this video, entrepreneur Lisa Quinlan of The Roling Donut talks about her experiences with Linked Finance.

published: 26 Oct 2017

RTE 6 News features Irish Mortgage Brokers, 22nd January 2018

John Kilraine of RTE News spoke to Karl Deeter of IrishMortgage Brokers about the new government lending scheme which would give discounted loans to borrowers who have been refused from other banks.
His view is that while this is admirable that the better choice is to get the cost of building down rather than by making more cheap credit available.

published: 24 Jan 2018

Freefall: The Night the Banks Failed

Coinciding with the second anniversary of the controversial Irish government bank guarantee, 'Freefall: The Night the Banks Failed' is an IFTA-winning two part documentary series which tells the story of the Irish banking crisis.
'Freefall: The Night the Banks Failed' tells of how a huge property bubble, fuelled by the lending practices of the Irish banking system, brought the Irish economy precariously close to the edge. The series recounts in detail the dramatic events, both global and national, in the fortnight leading up to the banking guarantee.
This documentary also delves deep into the past, tracing the origins of this unprecedented crisis back 25 years to the era when financial deregulation began, with a promise of economic stability and new-found wealth for all.
'Freefall: The ...

published: 10 Mar 2016

HOW TO INVEST IN P2P LENDING - PEER TO PEER LENDING

P2P LENDING -HOW TO INVEST IN P2P LENDING
In this video, we discuss two websites where you can lend your money via P2P lending or P2B lending. This video mostly focuses on websites you can use from Ireland.
[Video script]
Some things to note:
- P2P lending from Ireland seems to very different than P2P lending in the UK and US. By that I mean in the US there are different
categories of loans depending on the risk (higher risk = higher reward).
- P2P lending can be risky in you are trusting that person to pay back the money. Some of the websites provide securities against these loans up to a certain amount
- P2P lending is best when you invest small amounts of money (at the moment my max loan amount is 10e for each loan). This may seem small but by keeping your max loan low
yo...

published: 04 Mar 2017

The 2008 Financial Crisis: Crash Course Economics #12

Today on Crash Course Economics, Adriene and Jacob talk about the 2008 financial crisis and the US Goverment's response to the troubles. So, all this starts with home mortgages, and the use of mortgages as an investment instrument. For years, it seemed like the US housing market would go up and up. Like a bubble or something. It turns out it was a bubble. But not the good kind. And the government response was...interesting. Anyway, why are you reading this? Watch the video!
More Financial Crisis Resources:
Financial Crisis InquiryReport: http://www.gpo.gov/fdsys/pkg/GPO-FCIC/pdf/GPO-FCIC.pdfTAL: Giant Pool of Money: http://www.thisamericanlife.org/radio-archives/episode/355/the-giant-pool-of-money
Timeline of the crisis: https://www.stlouisfed.org/financial-crisis/full-timeline
htt...

published: 21 Oct 2015

EBS Mortgage Appointment- TV Ad

http://www.ebs.ie/mortgages/mortgage-appointments-to-suit-you.html
Arrange a mortgage appointment at a time that suits you. At EBS, we have a team of mortgage advisors who can advise and offer you help as you continue on your journey to a new home.
At EBS though, we understand that your day doesn't start at 9 and end at 5pm. Therefore, our team are able to meet you before work, after work or even at the weekends.
To book a mortgage meeting now, or to use our quick and easy mortgage calculator, visit our online MortgageCentre. Find out more here: www.ebs.ie

Getting a loan in ireland

Bank of Ireland - Committee on Finance, Public Expenditure and Reform, and Taoiseach

Chairman: I would like to see banks deal with the other issue, which is people who want to get into the mortgage market and cannot do so. Young couples are watching property going up in value and watching the difficulties for them increase. The bank must meet them in some way in terms of how to get them onto the property ladder. That is the issue. People are trying to get on to the property ladder in a constructive manner, but they have all the obstacles before them. The banks have found imaginative ways to give loans and accommodate people. Attention must be given, and perhaps by the Government, to ensure that such individuals and couples get loans.
Mr. Liam McLoughlin: We agree with the Chairman's comments. As I said before, the Bank of Ireland has doubled its funding for residential ...

Getting a Mortgage in Ireland Ep 1: Are You Eligible for a Mortgage?

Episode 1 of bonkers.ie's video series entitled 'Getting a Mortgage in Ireland'.
There are 7 videos in the series, which explains everything you need to know a...

Episode 1 of bonkers.ie's video series entitled 'Getting a Mortgage in Ireland'.
There are 7 videos in the series, which explains everything you need to know about getting a mortgage in a simple, yet expert, way.
Leave your follow-up questions in the comments below, or tweet us @bonkers_ie
----------------
** SwitchMortgages Here: http://bit.ly/1PyIedo **
----------------
Bonkers.ie - Compare, Switch, Save!
As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & HomePhone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.
Check our Website: http://bit.ly/1S3UtSk
----------------

Episode 1 of bonkers.ie's video series entitled 'Getting a Mortgage in Ireland'.
There are 7 videos in the series, which explains everything you need to know about getting a mortgage in a simple, yet expert, way.
Leave your follow-up questions in the comments below, or tweet us @bonkers_ie
----------------
** SwitchMortgages Here: http://bit.ly/1PyIedo **
----------------
Bonkers.ie - Compare, Switch, Save!
As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & HomePhone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.
Check our Website: http://bit.ly/1S3UtSk
----------------

** SwitchMortgages Here: http://bit.ly/1PyIedo **
Today I’m going to tell you five things First-Time buyers must know before getting a mortgage
One – how muc...

** SwitchMortgages Here: http://bit.ly/1PyIedo **
Today I’m going to tell you five things First-Time buyers must know before getting a mortgage
One – how much you can borrow
First-time buyers can borrow up to three and a half times their salary. And that’s your basic salary, banks are very unlikely to take additional earnings, such as commission and bonuses into account.
Two – how big a deposit you’ll have to provide
You must provide a 10% deposit for the first €220,000 of the property’s value and a 20% deposit for anything above that amount. So, if the property is worth €200,000, you’ll have to provide €20,000 up front.
If the property is €280,000, you’ll have to provide 10% of the first €220,000, so €22,000 and 20% of the remaining €60,000 so €12,000, making for minimum deposit requirement of €34,000
Three – how to show the bank that you’re a safe bet for a loan
Your bank will look at a minimum of the last six months of financial comings and goings before deciding whether or not to approve you for a loan. They will want to see that you haven’t missed direct debit payments and it’s a good idea to set up a standing order for your rent, bills and some savings to give the bank confidence that you won’t miss monthly repayments.
Four – your bank’s exceptions
All banks in Ireland are allowed to give a number of exceptions to the Central Bank’s lending rules every year. So, you might be able to get a loan of more than 3 and a half times your income or be allowed to provide a slightly smaller deposit than the bank usually requires. It might be in your interest to shop around to find a bank that is happy to give you an exception.
Five – how much it’ll cost you every month
Your mortgage payment is likely to be your biggest monthly expense. A number of banks in Ireland have cut rates in recent months and there’s continuing pressure for other banks to follow suit. It’s essential to shop around to find the cheapest rate available.
There you have it, getting a mortgage is one of the biggest financial decisions you’ll ever make so it’s essential to get it right! If you have any questions, leave a comment below or tweet us at bonkers_ie
** Switch Mortgages Here: http://bit.ly/1PyIedo **

** SwitchMortgages Here: http://bit.ly/1PyIedo **
Today I’m going to tell you five things First-Time buyers must know before getting a mortgage
One – how much you can borrow
First-time buyers can borrow up to three and a half times their salary. And that’s your basic salary, banks are very unlikely to take additional earnings, such as commission and bonuses into account.
Two – how big a deposit you’ll have to provide
You must provide a 10% deposit for the first €220,000 of the property’s value and a 20% deposit for anything above that amount. So, if the property is worth €200,000, you’ll have to provide €20,000 up front.
If the property is €280,000, you’ll have to provide 10% of the first €220,000, so €22,000 and 20% of the remaining €60,000 so €12,000, making for minimum deposit requirement of €34,000
Three – how to show the bank that you’re a safe bet for a loan
Your bank will look at a minimum of the last six months of financial comings and goings before deciding whether or not to approve you for a loan. They will want to see that you haven’t missed direct debit payments and it’s a good idea to set up a standing order for your rent, bills and some savings to give the bank confidence that you won’t miss monthly repayments.
Four – your bank’s exceptions
All banks in Ireland are allowed to give a number of exceptions to the Central Bank’s lending rules every year. So, you might be able to get a loan of more than 3 and a half times your income or be allowed to provide a slightly smaller deposit than the bank usually requires. It might be in your interest to shop around to find a bank that is happy to give you an exception.
Five – how much it’ll cost you every month
Your mortgage payment is likely to be your biggest monthly expense. A number of banks in Ireland have cut rates in recent months and there’s continuing pressure for other banks to follow suit. It’s essential to shop around to find the cheapest rate available.
There you have it, getting a mortgage is one of the biggest financial decisions you’ll ever make so it’s essential to get it right! If you have any questions, leave a comment below or tweet us at bonkers_ie
** Switch Mortgages Here: http://bit.ly/1PyIedo **

Linked Finance - Revolutionising Business Loans for Irish SMEs

We’re Linked Finance, Ireland’s leading Peer-To-Peer lending platform. We’re on a mission to make business lending better for IrishSMEs. And, at the same time,...

We’re Linked Finance, Ireland’s leading Peer-To-Peer lending platform. We’re on a mission to make business lending better for IrishSMEs. And, at the same time, we want to give ordinary people a way to make their money work harder. Our marketplace connects local companies who need funding with a vibrant online lending community. Real people, lending to great local businesses, at attractive interest rates. Businesses can apply online, quickly and with minimum hassle.
Learn more at www.linkedfinance.com

We’re Linked Finance, Ireland’s leading Peer-To-Peer lending platform. We’re on a mission to make business lending better for IrishSMEs. And, at the same time, we want to give ordinary people a way to make their money work harder. Our marketplace connects local companies who need funding with a vibrant online lending community. Real people, lending to great local businesses, at attractive interest rates. Businesses can apply online, quickly and with minimum hassle.
Learn more at www.linkedfinance.com

Linked Finance is Ireland's largest P2P lending platform. We connect great local businesses who need loans with an army of online lenders. Real people, lending to local companies, at attractive rates. In this video, entrepreneur Lisa Quinlan of The Roling Donut talks about her experiences with Linked Finance.

Linked Finance is Ireland's largest P2P lending platform. We connect great local businesses who need loans with an army of online lenders. Real people, lending to local companies, at attractive rates. In this video, entrepreneur Lisa Quinlan of The Roling Donut talks about her experiences with Linked Finance.

John Kilraine of RTE News spoke to Karl Deeter of IrishMortgage Brokers about the new government lending scheme which would give discounted loans to borrowers who have been refused from other banks.
His view is that while this is admirable that the better choice is to get the cost of building down rather than by making more cheap credit available.

John Kilraine of RTE News spoke to Karl Deeter of IrishMortgage Brokers about the new government lending scheme which would give discounted loans to borrowers who have been refused from other banks.
His view is that while this is admirable that the better choice is to get the cost of building down rather than by making more cheap credit available.

Coinciding with the second anniversary of the controversial Irish government bank guarantee, 'Freefall: The Night the Banks Failed' is an IFTA-winning two part documentary series which tells the story of the Irish banking crisis.
'Freefall: The Night the Banks Failed' tells of how a huge property bubble, fuelled by the lending practices of the Irish banking system, brought the Irish economy precariously close to the edge. The series recounts in detail the dramatic events, both global and national, in the fortnight leading up to the banking guarantee.
This documentary also delves deep into the past, tracing the origins of this unprecedented crisis back 25 years to the era when financial deregulation began, with a promise of economic stability and new-found wealth for all.
'Freefall: The Night the Banks Failed' was a hugely popular documentary series for Animo, and truly underpinned the lofty investigative and programming standards of the company. The series went on to win the prestigious ‘BestDocumentarySeries’ award at the 2011Irish Film and Television (IFTA) awards.

Coinciding with the second anniversary of the controversial Irish government bank guarantee, 'Freefall: The Night the Banks Failed' is an IFTA-winning two part documentary series which tells the story of the Irish banking crisis.
'Freefall: The Night the Banks Failed' tells of how a huge property bubble, fuelled by the lending practices of the Irish banking system, brought the Irish economy precariously close to the edge. The series recounts in detail the dramatic events, both global and national, in the fortnight leading up to the banking guarantee.
This documentary also delves deep into the past, tracing the origins of this unprecedented crisis back 25 years to the era when financial deregulation began, with a promise of economic stability and new-found wealth for all.
'Freefall: The Night the Banks Failed' was a hugely popular documentary series for Animo, and truly underpinned the lofty investigative and programming standards of the company. The series went on to win the prestigious ‘BestDocumentarySeries’ award at the 2011Irish Film and Television (IFTA) awards.

HOW TO INVEST IN P2P LENDING - PEER TO PEER LENDING

P2P LENDING -HOW TO INVEST IN P2P LENDING
In this video, we discuss two websites where you can lend your money via P2P lending or P2B lending. This video mostl...

P2P LENDING -HOW TO INVEST IN P2P LENDING
In this video, we discuss two websites where you can lend your money via P2P lending or P2B lending. This video mostly focuses on websites you can use from Ireland.
[Video script]
Some things to note:
- P2P lending from Ireland seems to very different than P2P lending in the UK and US. By that I mean in the US there are different
categories of loans depending on the risk (higher risk = higher reward).
- P2P lending can be risky in you are trusting that person to pay back the money. Some of the websites provide securities against these loans up to a certain amount
- P2P lending is best when you invest small amounts of money (at the moment my max loan amount is 10e for each loan). This may seem small but by keeping your max loan low
you can loan money to more people thereby spending your risk. If one person doesn't pay back your only losing 10e instead of more.
There are [#] of websites I will show you today:
MintOS - https://www.mintos.com/en/how-it-works/ - Explain the graph
- It's a lending marketplace where investors can loan money to many different loan originators. Some examples are:
Mortgage loans, car loans, business loans, personal loans etc...
How does it work:
1. Borrows app for loans
2. Loan originator evaluates the application, sets an interest rate and lends money from its own funds
3. The loans and then listed on the marketplace where investors can pick and choose what loans they want to invest in. If accepted you will receive monthly principal and interest payments.
One of the easiest ways to invest with mintos is via their auto invest tool, you can set how much you want to invest for each loan
the loan term you want to invest in, countries you want to invest etc. Once you set it, it will auto find loans and invest your money
If you don't like the auto invest tool you can go to the marketplace and pick and choose loans yourself to invest in
Linkedfinacnce - This is an Irish company. This website is more on the P2B (person to business loans)
Usually, the business that is on linkedFinance are already established and are just looking for more funding via person lending.
They have a smaller loan marketplace than MintOS but its a bit more secure as your investing in businesses
that are already up and running.
[Show live loans]
As you can see there is a lot of companies on here and a lot of companies have reached their bid amount.
Let's have a look at one company
- Show them the current loan offers, the business profile etc
If you decide you want to invest in a company you place a bid, there is usually a minimum bid
at the moment seems to be 50e, you can invest whatever you want. When the bidding closes they pick the bids they want
and you get a notification and the payments will start soonish.

P2P LENDING -HOW TO INVEST IN P2P LENDING
In this video, we discuss two websites where you can lend your money via P2P lending or P2B lending. This video mostly focuses on websites you can use from Ireland.
[Video script]
Some things to note:
- P2P lending from Ireland seems to very different than P2P lending in the UK and US. By that I mean in the US there are different
categories of loans depending on the risk (higher risk = higher reward).
- P2P lending can be risky in you are trusting that person to pay back the money. Some of the websites provide securities against these loans up to a certain amount
- P2P lending is best when you invest small amounts of money (at the moment my max loan amount is 10e for each loan). This may seem small but by keeping your max loan low
you can loan money to more people thereby spending your risk. If one person doesn't pay back your only losing 10e instead of more.
There are [#] of websites I will show you today:
MintOS - https://www.mintos.com/en/how-it-works/ - Explain the graph
- It's a lending marketplace where investors can loan money to many different loan originators. Some examples are:
Mortgage loans, car loans, business loans, personal loans etc...
How does it work:
1. Borrows app for loans
2. Loan originator evaluates the application, sets an interest rate and lends money from its own funds
3. The loans and then listed on the marketplace where investors can pick and choose what loans they want to invest in. If accepted you will receive monthly principal and interest payments.
One of the easiest ways to invest with mintos is via their auto invest tool, you can set how much you want to invest for each loan
the loan term you want to invest in, countries you want to invest etc. Once you set it, it will auto find loans and invest your money
If you don't like the auto invest tool you can go to the marketplace and pick and choose loans yourself to invest in
Linkedfinacnce - This is an Irish company. This website is more on the P2B (person to business loans)
Usually, the business that is on linkedFinance are already established and are just looking for more funding via person lending.
They have a smaller loan marketplace than MintOS but its a bit more secure as your investing in businesses
that are already up and running.
[Show live loans]
As you can see there is a lot of companies on here and a lot of companies have reached their bid amount.
Let's have a look at one company
- Show them the current loan offers, the business profile etc
If you decide you want to invest in a company you place a bid, there is usually a minimum bid
at the moment seems to be 50e, you can invest whatever you want. When the bidding closes they pick the bids they want
and you get a notification and the payments will start soonish.

EBS Mortgage Appointment- TV Ad

http://www.ebs.ie/mortgages/mortgage-appointments-to-suit-you.html
Arrange a mortgage appointment at a time that suits you. At EBS, we have a team of mortgage ...

http://www.ebs.ie/mortgages/mortgage-appointments-to-suit-you.html
Arrange a mortgage appointment at a time that suits you. At EBS, we have a team of mortgage advisors who can advise and offer you help as you continue on your journey to a new home.
At EBS though, we understand that your day doesn't start at 9 and end at 5pm. Therefore, our team are able to meet you before work, after work or even at the weekends.
To book a mortgage meeting now, or to use our quick and easy mortgage calculator, visit our online MortgageCentre. Find out more here: www.ebs.ie

http://www.ebs.ie/mortgages/mortgage-appointments-to-suit-you.html
Arrange a mortgage appointment at a time that suits you. At EBS, we have a team of mortgage advisors who can advise and offer you help as you continue on your journey to a new home.
At EBS though, we understand that your day doesn't start at 9 and end at 5pm. Therefore, our team are able to meet you before work, after work or even at the weekends.
To book a mortgage meeting now, or to use our quick and easy mortgage calculator, visit our online MortgageCentre. Find out more here: www.ebs.ie

Bank of Ireland - Committee on Finance, Public Expenditure and Reform, and Taoiseach

Chairman: I would like to see banks deal with the other issue, which is people who want to get into the mortgage market and cannot do so. Young couples are watc...

Chairman: I would like to see banks deal with the other issue, which is people who want to get into the mortgage market and cannot do so. Young couples are watching property going up in value and watching the difficulties for them increase. The bank must meet them in some way in terms of how to get them onto the property ladder. That is the issue. People are trying to get on to the property ladder in a constructive manner, but they have all the obstacles before them. The banks have found imaginative ways to give loans and accommodate people. Attention must be given, and perhaps by the Government, to ensure that such individuals and couples get loans.
Mr. Liam McLoughlin: We agree with the Chairman's comments. As I said before, the Bank of Ireland has doubled its funding for residential development. We are keen to support various initiatives in that space. My colleagues in corporate and business banking are very supportive of that, and clearly we would like to see more happen on the supply side.
In terms of mortgages, it is in our vested interest to use the capital our shareholders have given us to make more mortgage lending available. There is no shortage of appetite by the bank or the board to make more mortgage lending available. The biggest issue we see at the moment is an insufficient housing supply to deal with the appetite for mortgages, particularly by first-time buyers.
Chairman: I understand that, but that is the excuse used by everyone. The fact is that houses do come on the market and some of them are the right price. There are difficulties for people who qualify for social housing and also for those who fall into the category where they have too much income to go onto social housing lists but too little to qualify for a bank loan. That is how they are being viewed at present and there seems to be no possibility of them getting out of the circumstances they find themselves in. They can avail of a shared ownership scheme or some other imaginative way to secure the house that they want, but the banks must come to the table in trying to find a solution to that issue.
Mr. Liam McLoughlin: I thank the Chairman for his good feedback and we will take it on board. We will continue to work with our colleagues in Banking & Payments FederationIreland, BPFI, to see what support and advice we can give in that space.

Chairman: I would like to see banks deal with the other issue, which is people who want to get into the mortgage market and cannot do so. Young couples are watching property going up in value and watching the difficulties for them increase. The bank must meet them in some way in terms of how to get them onto the property ladder. That is the issue. People are trying to get on to the property ladder in a constructive manner, but they have all the obstacles before them. The banks have found imaginative ways to give loans and accommodate people. Attention must be given, and perhaps by the Government, to ensure that such individuals and couples get loans.
Mr. Liam McLoughlin: We agree with the Chairman's comments. As I said before, the Bank of Ireland has doubled its funding for residential development. We are keen to support various initiatives in that space. My colleagues in corporate and business banking are very supportive of that, and clearly we would like to see more happen on the supply side.
In terms of mortgages, it is in our vested interest to use the capital our shareholders have given us to make more mortgage lending available. There is no shortage of appetite by the bank or the board to make more mortgage lending available. The biggest issue we see at the moment is an insufficient housing supply to deal with the appetite for mortgages, particularly by first-time buyers.
Chairman: I understand that, but that is the excuse used by everyone. The fact is that houses do come on the market and some of them are the right price. There are difficulties for people who qualify for social housing and also for those who fall into the category where they have too much income to go onto social housing lists but too little to qualify for a bank loan. That is how they are being viewed at present and there seems to be no possibility of them getting out of the circumstances they find themselves in. They can avail of a shared ownership scheme or some other imaginative way to secure the house that they want, but the banks must come to the table in trying to find a solution to that issue.
Mr. Liam McLoughlin: I thank the Chairman for his good feedback and we will take it on board. We will continue to work with our colleagues in Banking & Payments FederationIreland, BPFI, to see what support and advice we can give in that space.

Getting a Mortgage in Ireland Ep 1: Are You Eligible for a Mortgage?

Episode 1 of bonkers.ie's video series entitled 'Getting a Mortgage in Ireland'.
There are 7 videos in the series, which explains everything you need to know about getting a mortgage in a simple, yet expert, way.
Leave your follow-up questions in the comments below, or tweet us @bonkers_ie
----------------
** SwitchMortgages Here: http://bit.ly/1PyIedo **
----------------
Bonkers.ie - Compare, Switch, Save!
As Ireland's favourite comparison & switching website, bonkers.ie helps thousands of households save money on their bills every month.
bonkers.ie is a free-to-consumer, impartial online comparison and switching service which helps you to Compare Digital TV, Broadband & HomePhone, Credit Cards, Prepaid Money Cards, Gas & Electricity prices, Personal Loans, Mortgages, Savings Accounts, and Current Accounts. Our aim is to help you take advantage of the best prices and services on offer from Irish suppliers. bonkers.ie is accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons.
Check our Website: http://bit.ly/1S3UtSk
----------------

** SwitchMortgages Here: http://bit.ly/1PyIedo **
Today I’m going to tell you five things First-Time buyers must know before getting a mortgage
One – how much you can borrow
First-time buyers can borrow up to three and a half times their salary. And that’s your basic salary, banks are very unlikely to take additional earnings, such as commission and bonuses into account.
Two – how big a deposit you’ll have to provide
You must provide a 10% deposit for the first €220,000 of the property’s value and a 20% deposit for anything above that amount. So, if the property is worth €200,000, you’ll have to provide €20,000 up front.
If the property is €280,000, you’ll have to provide 10% of the first €220,000, so €22,000 and 20% of the remaining €60,000 so €12,000, making for minimum deposit requirement of €34,000
Three – how to show the bank that you’re a safe bet for a loan
Your bank will look at a minimum of the last six months of financial comings and goings before deciding whether or not to approve you for a loan. They will want to see that you haven’t missed direct debit payments and it’s a good idea to set up a standing order for your rent, bills and some savings to give the bank confidence that you won’t miss monthly repayments.
Four – your bank’s exceptions
All banks in Ireland are allowed to give a number of exceptions to the Central Bank’s lending rules every year. So, you might be able to get a loan of more than 3 and a half times your income or be allowed to provide a slightly smaller deposit than the bank usually requires. It might be in your interest to shop around to find a bank that is happy to give you an exception.
Five – how much it’ll cost you every month
Your mortgage payment is likely to be your biggest monthly expense. A number of banks in Ireland have cut rates in recent months and there’s continuing pressure for other banks to follow suit. It’s essential to shop around to find the cheapest rate available.
There you have it, getting a mortgage is one of the biggest financial decisions you’ll ever make so it’s essential to get it right! If you have any questions, leave a comment below or tweet us at bonkers_ie
** Switch Mortgages Here: http://bit.ly/1PyIedo **

Linked Finance - Revolutionising Business Loans for Irish SMEs

We’re Linked Finance, Ireland’s leading Peer-To-Peer lending platform. We’re on a mission to make business lending better for IrishSMEs. And, at the same time, we want to give ordinary people a way to make their money work harder. Our marketplace connects local companies who need funding with a vibrant online lending community. Real people, lending to great local businesses, at attractive interest rates. Businesses can apply online, quickly and with minimum hassle.
Learn more at www.linkedfinance.com

Linked Finance - Business loans built for Irish SMEs

Linked Finance is Ireland's largest P2P lending platform. We connect great local businesses who need loans with an army of online lenders. Real people, lending to local companies, at attractive rates. In this video, entrepreneur Lisa Quinlan of The Roling Donut talks about her experiences with Linked Finance.

RTE 6 News features Irish Mortgage Brokers, 22nd January 2018

John Kilraine of RTE News spoke to Karl Deeter of IrishMortgage Brokers about the new government lending scheme which would give discounted loans to borrowers who have been refused from other banks.
His view is that while this is admirable that the better choice is to get the cost of building down rather than by making more cheap credit available.

Freefall: The Night the Banks Failed

Coinciding with the second anniversary of the controversial Irish government bank guarantee, 'Freefall: The Night the Banks Failed' is an IFTA-winning two part documentary series which tells the story of the Irish banking crisis.
'Freefall: The Night the Banks Failed' tells of how a huge property bubble, fuelled by the lending practices of the Irish banking system, brought the Irish economy precariously close to the edge. The series recounts in detail the dramatic events, both global and national, in the fortnight leading up to the banking guarantee.
This documentary also delves deep into the past, tracing the origins of this unprecedented crisis back 25 years to the era when financial deregulation began, with a promise of economic stability and new-found wealth for all.
'Freefall: The Night the Banks Failed' was a hugely popular documentary series for Animo, and truly underpinned the lofty investigative and programming standards of the company. The series went on to win the prestigious ‘BestDocumentarySeries’ award at the 2011Irish Film and Television (IFTA) awards.

HOW TO INVEST IN P2P LENDING - PEER TO PEER LENDING

P2P LENDING -HOW TO INVEST IN P2P LENDING
In this video, we discuss two websites where you can lend your money via P2P lending or P2B lending. This video mostly focuses on websites you can use from Ireland.
[Video script]
Some things to note:
- P2P lending from Ireland seems to very different than P2P lending in the UK and US. By that I mean in the US there are different
categories of loans depending on the risk (higher risk = higher reward).
- P2P lending can be risky in you are trusting that person to pay back the money. Some of the websites provide securities against these loans up to a certain amount
- P2P lending is best when you invest small amounts of money (at the moment my max loan amount is 10e for each loan). This may seem small but by keeping your max loan low
you can loan money to more people thereby spending your risk. If one person doesn't pay back your only losing 10e instead of more.
There are [#] of websites I will show you today:
MintOS - https://www.mintos.com/en/how-it-works/ - Explain the graph
- It's a lending marketplace where investors can loan money to many different loan originators. Some examples are:
Mortgage loans, car loans, business loans, personal loans etc...
How does it work:
1. Borrows app for loans
2. Loan originator evaluates the application, sets an interest rate and lends money from its own funds
3. The loans and then listed on the marketplace where investors can pick and choose what loans they want to invest in. If accepted you will receive monthly principal and interest payments.
One of the easiest ways to invest with mintos is via their auto invest tool, you can set how much you want to invest for each loan
the loan term you want to invest in, countries you want to invest etc. Once you set it, it will auto find loans and invest your money
If you don't like the auto invest tool you can go to the marketplace and pick and choose loans yourself to invest in
Linkedfinacnce - This is an Irish company. This website is more on the P2B (person to business loans)
Usually, the business that is on linkedFinance are already established and are just looking for more funding via person lending.
They have a smaller loan marketplace than MintOS but its a bit more secure as your investing in businesses
that are already up and running.
[Show live loans]
As you can see there is a lot of companies on here and a lot of companies have reached their bid amount.
Let's have a look at one company
- Show them the current loan offers, the business profile etc
If you decide you want to invest in a company you place a bid, there is usually a minimum bid
at the moment seems to be 50e, you can invest whatever you want. When the bidding closes they pick the bids they want
and you get a notification and the payments will start soonish.

EBS Mortgage Appointment- TV Ad

http://www.ebs.ie/mortgages/mortgage-appointments-to-suit-you.html
Arrange a mortgage appointment at a time that suits you. At EBS, we have a team of mortgage advisors who can advise and offer you help as you continue on your journey to a new home.
At EBS though, we understand that your day doesn't start at 9 and end at 5pm. Therefore, our team are able to meet you before work, after work or even at the weekends.
To book a mortgage meeting now, or to use our quick and easy mortgage calculator, visit our online MortgageCentre. Find out more here: www.ebs.ie

Bank of Ireland - Committee on Finance, Public Expenditure and Reform, and Taoiseach

Chairman: I would like to see banks deal with the other issue, which is people who want to get into the mortgage market and cannot do so. Young couples are watching property going up in value and watching the difficulties for them increase. The bank must meet them in some way in terms of how to get them onto the property ladder. That is the issue. People are trying to get on to the property ladder in a constructive manner, but they have all the obstacles before them. The banks have found imaginative ways to give loans and accommodate people. Attention must be given, and perhaps by the Government, to ensure that such individuals and couples get loans.
Mr. Liam McLoughlin: We agree with the Chairman's comments. As I said before, the Bank of Ireland has doubled its funding for residential development. We are keen to support various initiatives in that space. My colleagues in corporate and business banking are very supportive of that, and clearly we would like to see more happen on the supply side.
In terms of mortgages, it is in our vested interest to use the capital our shareholders have given us to make more mortgage lending available. There is no shortage of appetite by the bank or the board to make more mortgage lending available. The biggest issue we see at the moment is an insufficient housing supply to deal with the appetite for mortgages, particularly by first-time buyers.
Chairman: I understand that, but that is the excuse used by everyone. The fact is that houses do come on the market and some of them are the right price. There are difficulties for people who qualify for social housing and also for those who fall into the category where they have too much income to go onto social housing lists but too little to qualify for a bank loan. That is how they are being viewed at present and there seems to be no possibility of them getting out of the circumstances they find themselves in. They can avail of a shared ownership scheme or some other imaginative way to secure the house that they want, but the banks must come to the table in trying to find a solution to that issue.
Mr. Liam McLoughlin: I thank the Chairman for his good feedback and we will take it on board. We will continue to work with our colleagues in Banking & Payments FederationIreland, BPFI, to see what support and advice we can give in that space.

Crash Course

Plot

Crash Course centers on a group of high schoolers in a driver’s education class; many for the second or third time. The recently divorced teacher, super-passive Larry Pearl, is on thin ice with the football fanatic principal, Principal Paulson, who is being pressured by the district superintendent to raise driver’s education completion rates or lose his coveted football program. With this in mind, Principal Paulson and his assistant, with a secret desire for his job, Abner Frasier, hire an outside driver’s education instructor with a very tough reputation, Edna Savage, aka E.W. Savage, who quickly takes control of the class.

The plot focuses mostly on the students and their interactions with their teachers and each other. In the beginning, Rico is the loner with just a few friends, Chadley is the bookish nerd with few friends who longs to be cool and also longs to be a part of Vanessa’s life who is the young, friendly and attractive girl who had to fake her mother’s signature on her driver’s education permission slip. Kichi is the hip-hop Asian kid who often raps what he has to say and constantly flirts with Maria, the rich foreign girl who thinks that the right-of-way on the roadways always goes to (insert awesomely fake foreign Latino accent) “my father’s limo”. Finally you have stereotypical football meathead J.J., who needs to pass his English exam to keep his eligibility and constantly asks out and gets rejected by Alice, the tomboy whose father owns “Santini & Son” Concrete Company. Alice is portrayed as being the “son” her father wanted.